Azura Credit Union (KS) Adds Rate-Leading 14-Month CD Special


Deal Summary: 14-Month Certificate Special, 5.55% APY, $500 minimum deposit.

Availability: 54 Kansas counties.

For a limited-time, Azura Credit Union (Azura CU) is offering a 14-Month Certificate Special earning a rate-leading 5.55% APY. The minimum opening deposit is $500, with no stated balance cap. There is no set end-date for the 14-month Certificate Special, but according to CSR it should be available through the end of the month (emphasis on "should").

5.05%$500-Azura Credit Union14 Month Share Certificate Special
5.05%$500-Azura Credit Union14 Month IRA Certificate Special (Traditional, Roth, CESA)
Rates as of April 16, 2024.

The 14-Month Certificate Special is also available as an IRA Bump Certificate Special (Traditional, Roth, CESA), earning the same APY with the same deposit requirements.

According to CSR, the Early Withdrawal Penalty for the terms of 12-48 months is 180 days of dividends on the amount being withdrawn. Partial withdrawals and early closures are both permitted.


Headquartered in Topeka, Kansas, Azura Credit Union’s field of membership (FOM) is primarily community-based, with individuals who live, work, or worship in any of the following 54 Kansas counties, eligible for membership.

Northeast Counties: Atchison, Brown, Doniphan, Douglas, Jackson, Jefferson, Johnson, Leavenworth, Lyon, Marshall, Nemaha, Osage, Pottawatomie, Riley, Shawnee, Wabaunsee, Wyandotte.

Southeast Counties: Allen, Anderson, Bourbon, Coffey, Franklin, Greenwood, Linn, Miami, and Woodson.

Northcentral Counties: Barton, Chase, Clay, Cloud, Dickinson, Ellsworth, Geary, Jewell, Lincoln, Marion, McPherson, Mitchell, Morris, Osborn, Ottawa, Republic, Russell, Saline, Smith, and Washington.

Southcentral Counties: Butler, Harvey, Kingman, Pratt, Reno, Rice, Sedgwick, Stafford,

Employment: Employees/retirees of AT&T, Goodyear Tire & Rubber, Southwestern Bell Communications, U.S. government agencies (including local, municipal, or state governments) also qualify for membership, as do employees/retirees/members of American Legion Post 400, TARC, or United Steelworkers Union Local #400. All employees and students of any Kansas educational institution are also eligible to join.

Relationship: Immediate family members of anyone eligible for membership are welcome to apply. Immediate family includes spouse/former spouse, parent/step-, sibling, child/step-, grandparent, or grandchild.

Account Opening

Joining Azura CU can be done online, or at any of nine Kansas branches located in Lenexa, and Topeka (8).

A Primary Savings account is the required membership share account to join Azura. It may be used as a traditional savings account but a minimum of $5 must be maintained for membership.

While savings, checking, and Money Market accounts can be opened online, certificates must be opened at any of the above-mentioned branches or by phone (800.432.2470).

Azura CU participates in the CO-OP ATM Network, giving its members access to more than 30,000 surcharge-free ATMs through the country.

Funding and Other Details

The following information is from a Live Chat with CSR.

  • Funding – ACH, wire, check, or internal transfer.
  • CO-OP Shared Branch Participant – No.
  • Ownership – Individual, joint, or in the name of a trust.
  • Dividends – Compounded/credited monthly; can compound to CD, be transferred to an Azura account, or paid by check.
  • Maturing Funds – Cashier’s check to address on file or internal transfer.
  • Beneficiaries – Unlimited, with equal shares. Social Security numbers are preferred but not required for beneficiaries.
  • Grace Period – 10 calendar days before account balance will be transferred to an Azura Primary Savings account.
  • Credit Check – Hard pull when joining the credit union.

Credit Union Overview

Azura Credit Union has an overall health grade of "A" at, with a Texas Ratio of 4.52% (excellent) based on March 31, 2023 data. In the past year, Azura CU increased its total non-brokered deposits by $13.5 million, an above average annual growth rate of 2.16%. Please refer to our financial overview of Azura Credit Union (NCUA Charter # 61823) for more details.

Azura Credit Union was established in 2016 when Educational Credit Union and Quest Credit Union “merged as equals,” combining approximately the same number of members and total assets. Educational CU was founded in 1939 as the Topeka Teacher Credit Union, while Quest CU was established in 2010 through the merger of Credit Unions United (est. 1951) and Credit Union One of Kansas (est. 1956). Currently the sixth largest credit union in Kansas, Azura Credit Union has more than 61,400 members and assets in excess of $752 million.

The word “azure” brings to mind lush, tropical locations like the Maldives or Fuji … not Kansas. The Azura CU website explains the re-branding:

Why Azura? One of the reasons the new name was selected is the tribute it pays to the beautiful, azure blue Kansas sky. With a combined 140 years of service in Kansas, both credit unions wanted to be mindful of their heritage as they developed their plans to move forward. The name was created by combining the words "azure", meaning clear blue sky, and "terra", meaning land.

How the 14-Month Certificate Special Compares

When compared to similar length-of-term CDs tracked by which are available with the FOM and have minimum deposit requirements of $10k or less, no banks or credit unions have a higher rate than currently offered on the Azura Credit Union 14-month Certificate Special. The following table compares the 14-month Certificate Special to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 7/6/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Topeka CD rates, Kansas City CD rates, 1-year CD rates, IRA CD rates

Azura Credit Union (KS) Adds Limited-Time 30-Month Bump Rate CD
Deal Summary: 30-Month Bump Rate Share Certificate, 3.38% APY, $500 minimum deposit, one rate bump at any time during the term.

Availability: 54 Kansas counties.

For a limited-time, Azura Credit Union (Azura CU) is offering a 30-Month Bump Rate Share Certificate, which earns 3.38% APY. The minimum opening deposit is $500, with no stated balance cap. As stated on the Certificates Rates page,

To activate the bump rate, the account holder must contact Azura Credit Union: should the rate increase, the higher APY will not take...

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Azura Credit Union (KS) Adds Competitive 27-Month CD Special
Deal Summary: 27-month Share Certificate Special, 1.41% APY, $500 minimum deposit.

Availability: 45 Kansas counties.

Azura Credit Union (Azura CU) has unveiled a 27-month Share Certificate Special, which earns 1.41% APY. The minimum opening deposit is $500, with no stated balance cap.

The 27-month Share Certificate Special is also available as a IRA Share Certificate Special (Traditional, Roth, CESA), earning the same APY with the same deposit requirements.

In addition to being the most competitive Share Certificate in the product line, the 27-month Share Certificate Special offers the highest APY,...

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Azura Credit Union Offers Reward Checking Account In 45 KS Counties
Deal Summary: Beyond Checking, 2.02% APY, on qualifying balances up to $15k.

Availability: Residents of 45 Kansas counties.

Azura Credit Union (Azura CU) has been offering its rewards checking account, Beyond Checking, for ten years. The current 2.02% APY on qualifying balances up to $15k has been in effect for about a year. Qualifying balances over $15k earn 0.25% APY, with non-qualify balances earning 0.10% APY.

The monthly qualification requirements include,

  • At least 15 debit card transactions (minimum $5 per transaction)
  • At least one direct deposit or ACH auto...
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Azura Credit Union (KS) 30-Month Bump CD Steady At 3.01% APY
Deal Summary: Share Certificates – 30-month Bump Rate Special, 3.01% APY, $500 minimum; 18-month Special, 2.63% APY, $500 minimum.

Availability: Residents of 45 Kansas counties.

Azura Credit Union’s (Azura CU) 30-month Bump Rate Share Certificate and 18-month Share Certificate Special are two more examples of CDs that have become competitive by simply maintaining their rates, as other rates have fallen.

30-month Bump Rate Share Certificate

Earning 3.01% APY, the 30-month Bump Rate Share Certificate can be opened with a $500 minimum deposit, with no stated balance cap. It’s also available as...

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High-Interest Reward Checking Account at Quest Credit Union - KS Only

Kansas residents have quite a few choices for reward checking accounts. Quest Credit Union's iDeal Checking is one of the better ones. It has a very competitive rate when the monthly requirements are met. The rates as of 10/26/2011 are:

  • 3.51% APY up to $25,000
  • 1.01% APY over $25,000
  • 0.15% if requirements are not met

In addition to the high rates, ATM fee refunds nationwide are provided if the following monthly requirements are met:

  • 10 or more Visa Check Card purchases per month (signature based or credit transactions)
  • one Direct Deposit or one automatic payment
  • Enroll and...
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